Check what you qualify for
By specialty

Physician mortgages by specialty

Your specialty sets how long you train, what lenders may use as income and how you get paid. Pick yours to see your path.

Check what you qualify for
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Family medicine

2 yearstypical training
$225,000sample income, first years of practice
Fee for service or a blended model such as LFP or PCPCMhow you are usually paid

The shortest path to practice. Your new to practice window can open two years after medical school.

Run your numbers Check what you qualify for
Typical Canadian training lengths; your program may differ. Sample incomes are Scotiabank's published examples. Other lenders set their own.

Why your specialty matters

Training length

Decides how long you qualify on resident amounts.

Projected income

Some lenders set it by specialty, others by year of training.

How you are paid

Fee for service reads like self employment once the window closes.

Questions about specialties

Does my specialty change how much I can borrow?

It can. Some lenders set projected income by specialty, and your training length decides how long you qualify on resident amounts. Scotiabank’s samples range from $225,000 for a new family physician to $300,000 for a new neurosurgeon.

I am doing a fellowship after residency. Do physician programs still apply?

Usually, yes. RFA’s medical professional program, for example, covers physicians in training or within 24 months of finishing residency or fellowship.

Why does fee for service matter to a lender?

Most lenders read fee for service billings as self employment income. In your first years a physician program bridges the gap. Later, your tax returns decide what you qualify for.

Find out what you can buy before you start looking

Tell us where you are in training or practice. Asim will compare medical professional programs across banks and broker-only lenders and show you a realistic budget.

Check what you qualify for
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